This monthly communication, “Financial Bullet Points,” will quickly and easily cover the main financial issues we see affecting the markets without being bogged down with a lot of details.
Written by Bob Barber, Matthew Barrovecchio, and Don VandeVanter
Prepared on July 26th, 2025
The Bullet Points for August are:
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- Schwab Notice for Bank Accounts: Schwab has recently sent out an annual reminder detailing all bank instructions linked to Schwab with Investment Advisor Money Movement authority. If you wish to remove or add banking instructions, please call our office. This verification process helps protect your assets as part of our commitment to good stewardship. If you haven’t received this notice or have questions, our team is ready to assist you.
- Tariffs Taking Shape: Following the recent U.S. trade deals with both the U.K. and Vietnam, the month of July has seen many other trade agreements take shape, including Japan and South Korea. China, India, and the European Union remain top priorities for the administration. We’re monitoring these developments closely, however our focus remains on long-term investment strategies rather than reacting to short-term market fluctuations.
- Big Beautiful Bill Act: Signed on July 4, the well publicized law comes with several changes to tax credits and deductions. Taxpayers with children, over the age of 65, or who have income from tips or overtime stand to benefit the most. The long-term impacts on the federal budget will continue to be debated for years to come. We’re analyzing these changes to help our clients understand how they might affect their personal financial planning and stewardship goals.
- Inflation: As anticipated by Jerome Powell, the Federal Reserve Chairman, the Consumer Price Index for June increased 0.3% month-over-month. This brings the annualized inflation measure to 2.7% as economists suspect that the recent tariffs will begin impacting prices in the second half of 2025. Proverbs 21:5 reminds us that “The plans of the diligent lead to profit,” which includes thoughtful planning for economic changes.
- Continuing Education and Scriptures. This month’s programs for Christian Financial Perspectives are listed below along with our Scriptures for the month:
- Ep 230 – 8/12/25 – Emotional Investing
- Matthew 6:20-21 – “But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.”
Please join us in prayer for our brothers, sisters, and communities that were impacted by the recent floods in central Texas. May the Lord be glorified and may He bring peace that transcends all understanding.
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If you would like further explanation of any of the bullet points mentioned, please call or text (830) 609-6986 during business hours or email us by clicking here.
Bob Barber
Senior Wealth Advisor & President
Matthew Barrovecchio, CFP®
Senior Wealth Advisor
Don VandeVanter, CPA
Wealth Advisor
Christian Financial Advisors®